The cost of the travel insurance premium is based on the length of the trip, cost of the trip, number of travelers and the travelers’ ages. Regardless of where or from what source the traveler shops for a policy, the same plan will cost the same amount. There is no cost advantage with buying directly from the travel insurance carrier or from the travel agent. There are some plans that have optional coverages and upgrades that will affect the cost of the premium. If ever it seems like the same plan is a different cost from a different source, make sure that the coverage is equal and that all of the trip details are the same in both quotes. When all aspects of the the trip details and insurance coverage are equal, the plans will have the same premium cost.